Hi T.. Don't let those nurses give you the run around. Any competent doctor would want to schedule an appointment if you have any doubt that your newborn has something more than a simple cold.
When you call in your doctor will want to know your baby's temperature, what kind of discharge if any is coming from eyes, nose, mouth (with coughs/spit up), and how labored your child's breathing is. They will especially want to know if there seems to be chest congestion. Yes blue lips or finger tips is a sign of pneumonia, but things don't have to get to this point for the situation to be risky for a 3 month old.
Remember that even if your baby doesn't have pneumonia, there may be bronchitis, sinus infection, or ear infection. Better to get into the doctor and have it looked at.
With such little ones, better safe than sorry. No newborn was ever harmed by the parents taking them in to the doctor unnecessarily. And if the receptionist/nurse doesn't like it, too bad for her!
You can find more pneumonia info here:
http://www.kidshealth.org/PageManager.jsp?dn=poehealth&am...